I filed for bankruptcy 2 years ago due to taking a disability retirement from work because of injurys from an auto accident. It has since been discharged and it was hard to lose my good credit through no fault of my own. My wife and I have received 3 credit cards since, one each from Orchard Bank, Household Bank and First Premier Bank-(Charges a maintenance fee of 6.00 a month) to try and rebuild our credit to a respectible point. Recently we have received applications from ASPIRE and legacy visa. These cards charge a huge amount just to open the account, leaving you with little or no credit left on the card to use because of the fees. Are these Legit cards and has anyone actually gotten any of these cards. Any advice would be appreciated. Rich from the BURG. GO STEELERS !!!!!
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.